Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$267,076Cash toward the purchase price.
Closing costs + prepaids$10,906Not just lender fees.
Before credits & paid funds$277,982The complete starting cash picture.
Estimated remaining funds due at closing
$277,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,075.95
Your down payment$267,075.95
Closing costs + prepaids$10,905.87
Total buyer cash needed$277,981.82
Remaining funds due$277,981.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$364.25
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$391.62
Fees + prepaids$10,905.87
Your down payment is the seller’s equity. You take over the $102,924 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $277,981.82 is due at closing. Uses and sources reconcile at $380,905.87 each. Not a Closing Disclosure.